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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $105,735 | $94,031+12.4% | $115,768-8.7% | $82,448+28.2% |
| Participation rate | 48.7% | 70.4%-21.7pp | 74.4%-25.7pp | 68.1%-19.3pp |
| Annual return | 14.60% | 20.61%-6.0pp | 100.46%-85.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $730 | $2,323-68.6% | $2,940-75.2% | $2,551-71.4% |
| Participant deferral / active EE | $2,951 | $3,972-25.7% | $4,917-40.0% | $4,139-28.7% |
| Admin fee / account holder | $3,323 | $10,249-67.6% | $12,439-73.3% | $7,234-54.1% |